You can choose between auto-secured, bill consolidation, emergency, holiday, home improvement, personal, vacation and K-12 student loans. This loan offer will include a check made out to you ready to cash. We service customers outside our physical branch locations. GA & OH: Republic Finance, LLC (NMLS # 182116). Met with local office and issue was resolved amicably. Final approval and loan terms are contingent on completion of a full loan application. The APR will typically be higher than your interest rate. Copyright 2020 Time Financing Service All Rights Reserved. The branch in Stone Mountain Ga. have the best customer service. Not all consumers are eligible to apply online. Still not resolved.. Two months later after being paid off reported late on my credit and still not reflecting paid off. If you've received a loan check in the mail, you've already been pre-approved for a loan Property auto insurance does not replace and is not a substitute for liability or other insurance required by state law and/or your loan contract. Republic Finance offers a variety of consumer loans, including auto-secured, bill consolidation, emergency, home improvement, personal, vacation and K-12 school loans. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. Learn More About Loan Checks Sign up to receive email updates on our financial wellness blogs. If your loan is prepaid in full by a new loan with us, we'll refund any Unearned Loan Finance Charge using the Rule of 78s after first deducting $25 from the unearned Loan Finance Charge; however $25, will not be deducted if prepayment occurs after more than one-half of the term of your loan has elapsed. In this example, the total amount paid to Time Financing Service is $1,956.40, meaning the total cost of the loan would be $456.40. Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. 4. Loan terms (e.g., rates, origination fees and max. It only takes a few minutes and wont affect your credit score. How do I determine if I should accept this loan offer? Loans Republic Finance, LLC Business Profile Republic Finance, LLC Loans Headquarters Multi Location Business Find locations Contact Information 7031 Commerce Circle, Suite 100 Baton Rouge,. Hi Christie, thank you for taking the time to tell us about your problem. Secured loan options may have additional collateral and insurance requirements, and not all customers will qualify for all loan options. The other line item will be labeled OPC and will show the convenience fee that the third party payment processor charges. Box 505, Woodlyn, PA 19094. For any questions, you can call (833) 907-1736. Personal Online Banking - 1-888-782-3333 Personal Online Department Fax - 502-420-1812 Taxpayer Assistance Get more information from our Tax Refund Solutions team regarding the 2021 tax season. Login Page Welcome Welcome to PaymentVision's online payment portal. If you've received a loan check from us but do not live near a branch, the check is still valid! Some banks may put a hold on a check being deposited before releasing the funds. Not all consumers will qualify. If you cannot afford the payments as described in the offer, contact the lender about possible options to repay your loan. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Your loan representative would be glad to review your costs with you during the application process. Unsecured personal loans are loans that do not require collateral. If you like what you see, well prepare the documents for you to sign if you qualify. Searches are limited to 75 If you decide that you do not want to accept the loan offer, rip up the check and throw it away. This example is based on an average customer with good credit. If you do not destroy the check before throwing it away, you risk someone cashing the check in your name and becoming responsible for a loan you did not receive. been selected for a loan from Republic Finance. Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. Its products include personal, emergency, vacation and secured auto loans and more. No; however, Online Enrollment allows you to take advantage of additional features such as auto-draft debit card payments and the ability to save payment information for future use. A loan check is a preapproved loan offer. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen . You can check the status of an online application by logging into your application account, Yes, it is a real loan check! All other payment protection insurance products are optional. Not all consumers will qualify. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. I have only had a positive experience with Republic! Unsubscribe at any time. It takes 5-10 business days to process your information into our system after you deposit your loan check. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. A representative example of the total cost of the loan, including all applicable fees is as follows (THE FOLLOWING IS AN EXAMPLE AND IS NOT AN OFFER OF CREDIT): $1,500 loan, $25 loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate of 32.1%. If you cannot make a payment now, need more time, or want to discuss payment options, contact your local branch or call 1-833-907-1734 to see what we can do to help. You can call or visit your local branch to request a copy of your loan contract. You must borrow at least $1,000 to participate in this offer. A live check loan is a loan offer sent by lending agencies to pre-approved borrowers offering a small loan, usually $500-$2500, typically at very high interest rates often above 25% APR. Final approval and loan terms are contingent on completion of a full loan application. If you cannot make a payment now, need more time, or want to discuss payment options, contact your local branch or call 1-833-907-1734 to see what we can do to help. This creates a loan that you must repay on the due dates described in the loan agreement. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. FAQ. The knowledge that was just given to you was not provided when you took out your loan. 3 Sign loan documents and get your money. Answer was yes now see still not correct 2 months after paid off. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice. A live check is a preapproved or prescreened loan offer that you did not apply for. Debt Collection Agencies Regional Finance Laurens, SC 1.5/5 (174 ratings) Are you this business? Enjoy reading our tips and recommendations. Its location on this page may change next time you visit. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. Oh no, sounds like there was a communications issue for sure! * To the extent not prohibited by applicable law, our third-party payment processor will charge a convenience fee of $2.95 per payment whenever a one-time debit card payment is made online or over the phone. It operates in: Qualified customers may have the option to complete the entire loan process online. Secured loans are available up to $25,000. requirements. The APR will typically be higher than your interest rate. It offers online repayment via debit card or bank transfer. Unsubscribe easily. Learn more about opting out of unsolicited loan offers. When I went to the website I would have. Republic Finance does not authorize any payment processor to advertise payment processing on our behalf. To learn more, give us a call at (866) 356-1320. Our website and mobile app will be under maintenance on February 25th between 12pm - 11pm ET. To login, you will need to have your Account Number and your birthdate. A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.). This is a separate fee that is owe to our processor and not to Republic Finance. A privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. Let us help you with new landscaping, appliances, or paint for your house! This convenience fee is in addition to the amount of the desired payment. For questions on the expected time for the hold, please directly reach out to the bank where you deposited your loan check. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. You can make payments through our secure online website, over the phone, by mail, or in person at any Republic Finance location. If you choose to continue and apply for a loan, a credit check will be required, which can impact your credit score. We are excited to announce the opening of our new branch in Salisbury, NC. 1. Secured loan applications and closings must be completed with a branch employee, and not on our website. If you dont know what that means google is friendly. Well start sending you the news you need delivered straight to you. Republic Finance. Before cashing or depositing a live check, you should make sure you understand the terms, and shop around for other loan options to see if you can find a better rate. Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan voluntary product insurance. Is Online Enrollment required to make an online payment? It will depend on your bank. This is a cashable check and youve have been preapproved for $1,500 dollars in cash, and you could qualify for up to $10,000! If your offer is expired and youre still interested in a loan with us, call the phone number listed on the check to ask about your options, or visit RepublicFinance.com to apply. Unsubscribe easily. I have always had a great experience and feel they really care about their customers. 13. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. You can agree to this loan by endorsing and depositing the check into your bank account. Thanks! Get Directions. Yes. 554 South Pike West Road. Congratulations! If approved, you'll receive your funds within 1-2 business days. Property auto insurance is insurance that protects the insured creditors interest in the borrowers collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. There are plenty of opportunities for growth. And for that, I'm a loyal customer! Options for borrowers include: Republic Finance can pre-qualify you online without affecting your credit score. To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. Of the roughly 20% of applications that require additional underwriting, the response time is less than six minutes. Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. To make payments online you can. Choose which type of loan you want to borrow from Republic Finance, then enter your personal information online to determine your eligibility. How can I protect myself and others I care about from fraud and scams? Secured loans will have collateral and insurance requirements. Not necessarily. Contact your local branch or call 1-833-907-1734 so we can help determine if changing your payment due date is possible for you. Those types of promotions are typically tied to predatory loans and you might want to pull a credit report to make sure there aren't any accounts you don't know about being opened without you knowing about it. Republic Finances annual percentage rates (APRs) vary according to these individual factors: An average customer with good credit who borrows $6,000 over a 60-month term with an APR of 27.33% would make monthly payments of $300. I received a live check in the mail and deposited it. PaymentVision is a 3rd party processor for Republic Finance. Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. Credit disability is insurance that pays an amount toward the debt for a specified period of time while the insured is unable to work as a result of a qualified injury or sickness lasting longer than any applicable waiting period. Not all insurance types are available in all states. Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. Not all consumers will qualify. This is a cashable check and you've have been preapproved for $1,500 dollars in cash, and you could qualify for up to $10,000! All loans and renewals are subject to approval pursuant to standard underwriting criteria. Visit the Consumer Financial Protection Bureaus Consumer Complaint Database to see if the lender is licensed in your state and whether there are complaints against them at https://www.consumerfinance.gov/data-research/consumer-complaints/ If you think this offer is a scam, you can report it to the Federal Trade Commission at https://reportfraud.ftc.gov/#/. Some customers may not be eligible for all loan types. Some functionality may be limited during this time. Online Self-Help Tools and Legal Information, https://www.consumerfinance.gov/data-research/consumer-complaints/. Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. If you're eligible and pre-qualify for an online loan, you have the option to apply for an unsecured loan online. This particular time when I tried to renew my loan, they said I had to use my car as collateral, which I never had to do before. APRs will not exceed 35.99%. I could not have asked for better than service. That means youve We would like the opportunity to speak with you to better address your concerns. Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. If you want to accept the live check loan, you must endorse the check by signing the back of the check and cashing or depositing the funds into your bank account. The interest rate deals with the costs you will pay to borrow money. If I ever need help in the future, I will definitely keep them in mind. In 2017, Regional Finance mailed more than 6 million live checks and earned an average yield of 42% on small loans ($500 to $2,500), including live checks, according to its annual report.. We appreciate your business. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit https://www.optoutprescreen.com/?rf=t To opt out permanently, visit https://www.optoutprescreen.com/?rf=t and return a signed Permanent Opt-Out Election form, which they will send after you make the request. available exclusively in-branch and will have additional collateral and insurance By proceeding, you agree to receive text messages or phone calls from Republic Finance using an automatic telephone dialing system, which may be necessary to verify your account. However, the company pulls your credit report and credit score when you apply for a loan. Scammers sometimes send fake loan offers via mail, email, or text. Ashley Hiser on Google. Personal-property insurance is required on personal-property . We love a happy story :) Thanks for your review! Republic Finance does not disclose its underwriting criteria for loans. 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Such republic finance loan check in mail new uniforms, books, or text loan you want to borrow from Finance... Lender about possible options to repay your loan check republic finance loan check in mail us but do not meet our criteria ( including acceptable. Loan you want to borrow from Republic Finance provides various loan types in 11 states and... Offer is not guaranteed if you dont know what that means youve we would the! Love a happy story: ) Thanks for your review which type loan... Without affecting your credit and the information you provide a separate fee that is owe to our and... A loan will definitely keep them in mind loan representative would be glad to review your with... Should accept this loan by endorsing and republic finance loan check in mail the check is a real loan check approval pursuant standard... You visit the expected time for the hold, please directly reach out to you ready to cash positive. 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